Julie Occhiato is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. Her prior roles include positions at Merrill and DCCS LLC. She is based in Louisville, KY. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Rachel Smith is a financial advisor with Morgan Stanley in Louisville, KY, holding a Series 66 designation and 23 years of industry experience. She has worked at multiple Morgan Stanley entities since 2007 and has been associated with the University of Louisville since 2002. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and a structured discovery process.

Heather Thompson is a financial advisor with Morgan Stanley in Louisville, KY, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she serves as a board member for Free the Innocent, Inc., a humanitarian nonprofit organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutions, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and scenario modeling.

Todd Davidson is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Bank of America, Merrill, and Charles Schwab. Outside of his advisory role, he is an owner and partner of A&L Investments LLC, a business that manages a single-family rental property. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Tracy Harper is a Series 66 licensed financial advisor with Morgan Stanley in Louisville, KY, bringing 13 years of industry experience. She previously worked at Ameriprise Financial Services, Inc. from 2019 to 2021 and has been with Morgan Stanley since 2005, including her current tenure starting in 2021. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs focused on tailored financial planning and wealth management. The firm employs structured planning tools and advisory processes but does not provide individual security recommendations as part of its standalone planning services.

Robert Allison Jr. is a financial advisor with LPL Financial in Louisville, KY, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He previously worked at Waddell & Reed and various insurance carriers affiliated with W&R Insurance Agencies. LPL Financial is a national broker‑dealer and SEC‑registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of advisors. The firm offers a range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supporting diverse investment strategies and leveraging operational technology.

Amanda Caffee is a financial advisor at Ameriprise in Louisville, KY with nine years of industry experience. She holds a Series 66 designation and has been with Ameriprise since 2015. Outside of her advisory role, she works as a paraplanner and client services assistant for Heick, Hester, Smith & Associates LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that focuses on retirement-income planning through written Recommendation Reports and ongoing advice. The firm’s approach includes asset allocation analysis, adaptive withdrawal strategies, and Social Security claiming options, operating within a product ecosystem influenced by affiliated investment options and distribution arrangements.

Joshua Garcia is a financial advisor with LPL Enterprise, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Enterprise, he worked at Purdue Federal Credit Union and has a varied background including roles at Potts Construction, Purdue University, Walmart Corporation, and Señor Tacos. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, and various institutional entities. The firm primarily uses model-driven investment portfolios and offers access to third-party asset managers and insurance products through affiliated entities.

Suzanne Shearer is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds the Series 66 designation and previously worked at PNC Investments and PNC Bank. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through both direct relationships and corporate financial planning agreements.

Melissa Eskridge is a financial advisor at Edward Jones in Louisville, KY, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones, she worked for over a decade at Craig Johnson Dental Care. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices across the United States.

Patrick Strehl is a financial advisor with Stifel who holds Series 63 and Series 65 licenses and has 30 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2018 and previously held positions at Bank of America and Merrill. Outside of his advisory role, he is president and owner of Strehl Investment Corporation. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach relies on proprietary methodology developed by its Investment Strategy Group, which supports asset allocation and financial planning analyses used to guide client decisions.

Melissa Mc Hagan is a financial advisor with Ameriprise in Louisville, KY, holding a Series 66 designation and two years of industry experience. Her prior experience includes roles at Ameriprise and Chittick Insurance. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific asset criteria. The firm provides written Recommendation Reports addressing income sources, Social Security options, and tax-smart withdrawal strategies, using a combination of research, modeling, and tax-efficiency analysis to tailor advice.

Mark Hainer is a financial advisor at Stifel with 31 years of industry experience. He has been with Stifel Nicolaus & Co., Inc. since 2014. Outside of his advisory role, he serves as CFO for RuffleGirl INC, an online retail company. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach includes proprietary asset allocation and planning methodologies developed by its Investment Strategy Group.

Amy Winstead is a Series 66-licensed financial advisor with Stifel in Louisville, KY, where she has worked since 2007. She has 26 years of industry experience. Outside of her advisory role, she owns No Scraps Left Behind LLC, a business focused on cleaning, repairing, buying, and selling vintage sewing machines, and has served as a poll worker and election officer for the Jefferson County Clerk's Office. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm utilizes a proprietary methodology developed by its Investment Strategy Group to guide investment analysis and asset allocation.

Douglas Johnson is a financial advisor with Wells Fargo Clearing in Louisville, KY, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Wells Fargo Advisors and Wells Fargo Clearing since 2009. Outside of his advisory role, he is the sole owner of PENIWINKEL SPRING LLC, an investment-related business based in Albany, KY. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and including a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Cheryl Burress is a financial advisor at Ameriprise with 21 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Ameriprise since 2019, following roles at U.S. Bancorp Investments, US Bank, and various insurance carriers. Outside of her advisory work, she is also affiliated with Heick, Hester Smith & Associates, LLC as a financial advisor on a limited basis. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

David Maultsby is a financial advisor with Primerica Advisors in Louisville, KY, holding Series 65 and Series 63 licenses and bringing 14 years of industry experience. He has worked with PFS Investments Inc. since 2014 and Primerica Financial Services since 2007. Outside of advisory services, he is involved in selling home security and automation products as well as loan products through affiliates of his firm. Primerica Advisors is a large-scale sponsor and discretionary portfolio manager of a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm offers model-based investment strategies managed by unaffiliated asset managers, supported by trade execution and custody services from BNY Mellon Advisors and Pershing.

Robert Cregor is a financial advisor at Raymond James & Associates with four years of industry experience. Prior to joining Raymond James in 2022, he worked for six years at Privilege Underwriters Reciprocal Exchange. He serves as a board member and finance committee member for the Waterfront Botanical Gardens, where he participates in overseeing the organization's financial health and planning. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, charitable organizations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, utilizing a range of portfolio management styles supported by in-house research and affiliated sub-advisers.

Thomas Harvey is a financial advisor at Ameriprise with seven years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Ameriprise since 2020. Prior to this, he was employed at ADP Broker Dealer Inc, Adp LLC, Meridian Technologies, and NTT DATA Consulting Inc. Harvey is also a co-owner of OPM Earnings Inc, where he manages his Ameriprise advisory business. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. This service provides clients with comprehensive recommendations focused on dependable income and tax-aware withdrawal strategies.

Andrew Southworth is a financial advisor at Cetera with 26 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. His prior experience includes roles at Thurston Springer Advisors, Thurston Springer Financial, KPP Advisory Services LLC, and LPL Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with discretionary and non-discretionary program options.